Lloyds mortgage confused

jay1983

Hi all,

Today I had my mortgage interview with lloyds. I went to my appointment and was told the mortgage advisor was off sick. I therefore had to go through a telephone application.
As far as I have been aware I have been accepted as the guy on the phone said everything was ok. He said he would ring me back within the next 30 mins to discuss which product is best for me.
He never rang back which has got me a little worried and confused.
As he went through all the data protection and credit ref scripts I'm pretty sure it was a full application as opposed to a soft search.
Do I have to worry as they haven't got back to me or should I just wait for them to get in touch? I've never had a mortgage before so this is scary uncharted territory for me.
Any reassurances from learned professionals on here will be greatly appreciated.

Lloyds_Bank

jay1983 wrote: »

Hi all,

Today I had my mortgage interview with lloyds. I went to my appointment and was told the mortgage advisor was off sick. I therefore had to go through a telephone application.
As far as I have been aware I have been accepted as the guy on the phone said everything was ok. He said he would ring me back within the next 30 mins to discuss which product is best for me.
He never rang back which has got me a little worried and confused.
As he went through all the data protection and credit ref scripts I'm pretty sure it was a full application as opposed to a soft search.
Do I have to worry as they haven't got back to me or should I just wait for them to get in touch? I've never had a mortgage before so this is scary uncharted territory for me.
Any reassurances from learned professionals on here will be greatly appreciated.

Hi jay1983.

Sorry to hear you didn't recieve the call back as arranged. Has anyone been in touch with you since you posted last night? If not, let me know & I'll try to find out more for you.

Thanks

James

Wh05apk

Nice to see a reply from Lloyd's rep, however, as a First time buyer, with little experience or knowledge, then I would suggest a face to face meeting is essential, as you will have lots of questions, both in the meeting and afterwards, which you need to be able to pick the phone up and ask at anytime.


At the moment, it sounds like you may have just had an initial chat or possibly an agreement in principle, certainly not a full application as products would need to have been discussed.


I would also suggest a broker would often get you a better deal, and be easier to contact for follow up questions like this.

amnblog

If you want help from 'learned professionals' a broker is a better bet than a bank employee.

suziqqq

It's a pity lloyds bank don't act that fast when making a complaint. Emailed my complaint on 10 th April received acknowledgement and nothing since.

Lloyds_Bank

suziqqq wrote: »

It's a pity lloyds bank don't act that fast when making a complaint. Emailed my complaint on 10 th April received acknowledgement and nothing since.

Hi suziqqq. If you used our online complaint form, you'll have received an email to let you know we received it successfully. Just to clarify, have you also received an acknowledgement letter?

Thanks,

Craig

suziqqq

received an email the same day saying complaint received but nothing else

Lloyds_Bank

suziqqq wrote: »

received an email the same day saying complaint received but nothing else

Ok, thanks for getting back to me. If you send me an email with your full name & postcode, I'll look into it for you. Please include your forum username in the subject field. You can find our email address on our profile here.

Thanks,

Craig

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suziqqq

Thanks for the offer but have received such bad service from LLoyds banking group I am now in the process of moving my mortgage and bank account elsewhere after nearly 20 years

Lloyds_Bank

suziqqq wrote: »

Thanks for the offer but have received such bad service from LLoyds banking group I am now in the process of moving my mortgage and bank account elsewhere after nearly 20 years

Really sorry to hear that, suziqqq. If you change your mind, please feel free to drop me an email.

Craig